PerkMind looks at your cards and your spending, then tells you exactly which card to use, what rewards you're missing out on, and what to do next — before they expire.
Most of us carry several credit cards, each with its own reward rates, spending caps, annual fee, statement credits, and rules for when a bonus applies. The card that earns the most at the grocery store isn't the one that earns the most on a flight, and the answer shifts again when a cap is reached or a credit is about to expire.
In practice, we reach for whichever card is on top and quietly leave rewards behind. Not because we don't care, but because the information is scattered across issuer websites, fine print, and statements, and it changes. The effort of tracking it all costs more than most people are willing to spend, so the value simply goes unclaimed.
We built PerkMind to close that gap: a single place that knows your cards, does the comparison at the moment you're about to pay, and looks back afterward to show what you missed and what to do next. And we set one condition from the start: it has to do that without asking you to hand over your card numbers or your bank password.
The problem
Category multipliers, quarterly caps, merchant exclusions, activation requirements, and points that are worth different amounts depending on how you redeem them. No one can hold that in their head at the register.
What we built
PerkMind compares every card in your wallet for each purchase and shows the result in native rewards and estimated dollars, so a points card is judged fairly next to a cash-back card.
The problem
Statement credits expire unused, annual fees renew without a check on whether the card earned its keep, and welcome bonuses close before the spending requirement is met. None of it announces itself.
What we built
Missed-rewards tracking, the renewal advisor, and a prioritized action plan turn those quiet losses into dated, dollar-valued to-dos you can complete, dismiss, or snooze.
The problem
Some rewards tools want full card numbers or bank passwords before they show you anything useful. That is a steep price for a recommendation.
What we built
PerkMind never asks for a CVV or PIN and never stores a full card number. Your wallet lives in your iPhone's Keychain, bank sync is optional and goes through Plaid, and you can delete your account in the app.
The problem
Reward terms change, merchants are coded in ways you can't see, and an app that pretends to be certain will eventually steer you wrong.
What we built
Everything PerkMind shows is labeled an estimate. Verified issuer terms carry their source and last-checked date, and perks that need activation are never counted as earned.
PerkMind is an independent tool. It is not affiliated with any card issuer or network, and its figures are estimates — always confirm exact terms with your issuer.
Most people just grab one card out of habit. PerkMind keeps track of each card's rewards, credits, and your real spending, so the best card is obvious — before you pay, and afterward, so you can see what you missed.
Tell PerkMind where you're shopping, how much you're spending, and what you want — cash back, points, miles, or purchase protection — and it'll tell you which card wins, and why.
PerkMind checks every purchase against your cards. If a different card would have earned you more, it shows you exactly how many dollars you missed.
Unused perks, extra annual fees, foreign transaction charges, and reward caps quietly cost you money. PerkMind adds it all up and tells you what to fix.
Pick your card from the issuer list, or scan the front (and optionally the back) and review what PerkMind recognized. Only masked details are saved — never the full number, CVV, or PIN.
Link your bank through Plaid's secure sheet to see real purchases matched to your cards by their last four digits. Skip it and Best Card still works.
See the best card for any purchase, what you missed, which credits are still unused, and a prioritized action plan with estimated dollar value.
Home, Wallet, Best Card, Activity, Benefits, and Account all show the same up-to-date picture of your cards and spending — so what you see on Home always matches what you see on Benefits.
See your rewards earned, rewards missed, unused credits, total card value, personalized tips, and your to-do list — all at a glance.
Add your cards from a list of banks, or scan a card to fill in the details automatically. See a full breakdown of how each card scores.
Enter what you're about to buy and get a clear recommendation — plus an explanation of why, and how much more you'd earn than with your usual card.
See each purchase from your connected accounts: the card you used, the card PerkMind would have picked instead, and what you earned or missed.
Track your card perks and credits — see what's available, partly used, about to expire, or already gone.
Manage your Apple sign-in, optional Face ID/Touch ID lock, passkey, and settings — and sign out or delete your account whenever you like.
Paste a link, pick a store, or use Safari's Share button. Amazon, Target, Walmart, Best Buy, eBay, Etsy, Instacart, Lowe's, The Home Depot, and Apple are recognized automatically.
Every option shows its native multiplier and an estimated dollar value, using cents-per-point values you can adjust — so a points card is never ranked as if it earned nothing.
Record the bonus, required spend, and deadline. PerkMind shows what's left, how many days remain, and warns you if the window may already be closed.
For supported cards, rewards, credits, and protections come from reviewed issuer terms, with the source link and last-verified date. Perks that need activation are labeled, not counted.
Opt in and PerkMind can notify you with the best card as you walk into a nearby business — processed on your device, with a cooldown so it never nags.
Know PerkMind offers short, spoken, step-by-step lessons for every major feature. Play them automatically or step through at your own pace.
PerkMind never asks for your CVV and never stores your full card number. You sign in with Apple, your wallet lives in your iPhone's Keychain, and bank connections run through Plaid and a secure backend — your bank login is never stored on your phone, and the bank access token is encrypted on the server.
Read the full security overview →No new password to create or leak. The app locks every time you open it and unlocks with Face ID, Touch ID, or Optic ID — all powered by Apple's built-in security.
Your wallet, session, and cached activity are kept in your device's Keychain — not in a database anyone can browse.
We only keep safe details like the last four digits — never your full card number or CVV.
PerkMind is a single auto-renewing annual subscription, billed once a year through the App Store — about $1.67/month. Manage or cancel it any time in your Apple ID settings, and use Restore Purchases if you reinstall.
Just $1.67/month, billed annually.
Our Support page answers common questions about matching purchases, credits, and account security — or you can send us a message directly.
Go to Support & ContactAvailable for iPhone and iPad on the App Store. Sign in with Apple and add your first card in minutes.
